Senior Credit Management and Approval Partner

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American AgCredit

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 1916

🛡️ Insurance

🍽️ Food & Beverage

🌾 Agriculture

Insurance • Food & Beverage • Agriculture

American AgCredit is a specialized financial institution providing a wide range of financial services specifically for the agriculture industry. The company offers various financing solutions, such as real estate loans, operating loans, equipment financing, and working capital loans for agribusinesses. Additionally, American AgCredit provides crop insurance and credit life insurance to support farmers and their agricultural operations. Operating primarily in states like California, Colorado, Hawaii, Kansas, New Mexico, Nevada, and Oklahoma, the company also serves corporate banking customers nationwide through its capital markets services. With a strong focus on enhancing the financial strength of farmers and agricultural businesses, American AgCredit offers insights and advisory services through educational resources like webinars and industry insights.

📋 Description

• The Senior Credit Management and Approval Partner facilitates a sustainable process for the management of credit and approvals within the Association, supporting the Association goals, including satisfactory credit quality and consistency in philosophy, training, and development of credit staff • Completes thorough analysis of prior approval requests associated with large, complex corporate, agribusiness, and capital markets credits, ensuring that all such loan actions are within existing Association policy, procedure, and overall risk standards • Responsible for approval/denial of such loan actions through either the utilization of delegated authority or recommendation to a higher level of authority (i.e. Loan Committee, CMA, or CCO) • Mentors, coaches, counsels, develops, leads, and trains Association-wide credit staff, ensuring that the lending and loan quality standards and objectives are met on a consistent, ongoing basis • Provides leadership and support to credit staff on complex problem credits • Actively involved in developing, establishing, and maintaining the Associations credit policies and procedures. • Reviews, approves, and monitors large and complex loans and associated actions, including participations purchased and sold, to control the overall credit risk of the Associations loan portfolio • Responsible for the analysis and review of credit packages submitted through the prior approval process, ensuring accuracy, compliance (Association policy/procedure, FCA Regulations, etc.), and an overall level of Credit Administration that proves to be satisfactory • Recommends the approval/denial of actions as a member of designated loan committees and approves designated actions through the use of delegated authority • Proactively consults and coordinates with staff to provide assistance and support for large and complex loan originations • Coordinates, develops and participates in training to ensure consistent credit training, mentoring, and development, is regularly provided to new and seasoned credit staff throughout the Association. • Actively involved in establishing the Associations credit policies and procedures, ensuring that lending and loan quality goals are met and comply with FCA regulations, District, and Association policies • Ensures that procedures are implemented consistently throughout the Association and maintain balance between effective processes, safe and sound lending practices, and appropriate internal controls • Responsible for monitoring and facilitating the Association Commodity Lending Guideline Committee process • Acts as a Co-Chair on certain Commodity Lending Guideline Committees • Assists in the departments oversight of the Association's loan monitoring systems, aiding the CMA department in its coordination with the Risk Management and Internal Audit departments on internal credit reviews to monitor credit quality, documentation, and adherence to all Association credit policy and procedure. • Actively involved in the departments oversight and management of the Association's delinquent loan servicing and loan restructuring activities, working with credit staff and legal counsel to identify and act on distressed loans. • Performs other duties and assumes responsibilities as assigned.

🎯 Requirements

• BA/BS degree with emphasis on business, economics, finance, agriculture or equivalent • Ten years experience in the area of agricultural-related credit, including demonstrated experience in the analysis of large and complex credits • Demonstrated competencies required in credit underwriting, administration, and loan servicing, including a working knowledge of credit practices, production agriculture, credit principles and procedures; FCA regulation; and legal documentation requirements • Above average skills required in organizing and planning, judgment, decisiveness, analysis, delegation and control, written and verbal communication, interpersonal skills, and adaptability • Demonstrated proficiency in organizing and prioritizing work to meet deadlines • Demonstrated proficiency in leading and motivating others • Experience using Microsoft Office Suite including Word, Excel and Outlook • Ability to use software and information technology to collect, organizes, retrieve, maintain and disseminate information • Ability to use technology in new or complex situations • Ability to work with all levels of employees.

🏖️ Benefits

• Commitment to agriculture and the communities we serve • Family friendly work environment • Investment in employee development • Medical, Dental and Vision coverage • Outstanding 401k – automatic 3% employer contribution, plus match up to 6% • Generous Paid Time Off (Vacation accrued at 26 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time) • Competitive Incentive Compensation Plan • Disability & Life Insurance • Employee mental, physical, and financial wellness programs